VALENTINEFRANC

We analyzed 458 certificates of deposit at 148 institutions, ranking each on criteria such as annual percentage yield (APY), minimum deposit requirements, available terms and customer ratings to compile our list of the best CD rates. These are the top-scoring accounts for various CD terms, ranging from one month to 10 years. All winners earned a five-star rating.

The highest-earning account on our list of best CD rates is Vanguard’s one-month brokered CD, which earns 4.40% APY. Close behind are Service Credit Union’s six-month CD and Consumers Credit Union’s nine-month CD, which earn 4.15% APY and 4.25% APY, respectively.

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